Contents includes all of the following things, provided that they belong to you or your family, or that you are legally responsible for them. They must be mainly used for private purposes other than military kit. See individual definitions for the meaning of each.

The Policy will automatically be renewed upon receipt of your monthly premium, which is payable by Direct Debit. A new and separate period of insurance will accordingly run from the start of the first day of each month until the end of the last day of that month, until the Policy is cancelled (whether through non-payment of premium or otherwise).

Clothes and items of a personal nature likely to be worn, used or carried. For example, portable radios and TVs, tablets, hand held games consoles, MP3 players, mobile phones and sports equipment. It does not include valuables or money.

All of the following are included, provided that they belong to you or your family and that you are legally responsible for them. With the exception of military kit, they must be mainly used for private purposes. See individual listings for the full definition of each.

This includes all of the following things, provided that they belong to you, or that you are legally responsible for them. They must be mainly used for private purposes or your employment in HM Forces. See individual definitions for the meaning of each.

The Policy describes the insurance cover provided during the Period of Insurance as shown in your Schedule which you have paid for, or have agreed to pay for, and for which we have accepted the premium.

Your Policy is made up of the following components:

Schedule - identifying which sections of the Policy you have bought

Section wordings

Endorsement(s)

Essential information including:

General conditions and exclusions

Definitions

Claims conditions - including making a claim and how we settle a claim

The person named in the Schedule as the Policyholder and your spouse/civil partner/partner, children and any other person, all permanently residing with you and not paying a commercial rent. This definition does not apply to domestic staff.

Cherish Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 304153.
You can check this on the Financial Services Register by visiting the FCA website or by calling the FCA on 0800 111 6768.
Cherish Insurance Brokers Limited is a member of SIIAP which is recognised by the MOD.